The first step is to talk it through with your financial adviser to make sure it's right for you. If you don't have an adviser, you can find one in your area at www.unbiased.co.uk.
Full details of cover are described in the policy wording, which you'll find in the information box on this page. If you decide to take out a policy, you'll need to complete an application form, which we'll use to work out the final terms. Depending on your circumstances, non-standard terms may apply.